Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$68,541Cash toward the purchase price.
Closing costs + prepaids$11,332Not just lender fees.
Before credits & paid funds$79,873The complete starting cash picture.
Estimated remaining funds due at closing
$79,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,541.02
Your down payment$68,541.02
Closing costs + prepaids$11,331.67
Total buyer cash needed$79,872.69
Remaining funds due$79,872.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,354.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$424.50
Prepaid interest, first (18 days)$939.37
Fees + prepaids$11,331.67
Your down payment is the seller’s equity. You take over the $270,959 balance, so the rest of the $339,500 price is paid at closing. A second mortgage can cover part of it. $79,872.69 is due at closing. Uses and sources reconcile at $350,831.67 each. Not a Closing Disclosure.